Health sharing plans

Looking for an alternative to ObamaCare?

We offer the ACA exempt plans that provide the care you’re looking for at a truly affordable price.

Health Care plans starting at $69.00 a month!

No special enrollment periods or open enrollment periods ~ Sign up anytime!

You determine the appropriate level of health coverage for your family NOT the government!

Although these plans are not insurance, ACA exemption applies for both individuals and families alike.

Some plans offer coverage for pre-existing conditions

While the tax penalty for not having credible coverage is set to be abolished in 2019. The rates for Major Medical Insurance is continuing to climb! The bigger penalty for not having appropriate health care is the potential for financial ruin. The number one cause of bankruptcy in America continues to be medical bills!

Since the implementation of the ACA (Affordable Care Act) otherwise known as ObamaCare, Major Medical Health Insurance premiums have skyrocketed every single year. Some may not feel the impact since they qualify for assistance paying for the high costs. However, many who do not qualify for subsides are defiantly feeling the impact. Cunningham Insurance has an alternative solution in MediShare plans (or Medical Sharing Ministries plans). MediShare plans are like minded individuals (typically faith based groups) that pool resources together to share the medical bills of it members. Cunningham Insurance works with Aleria HealthCare and Unity HealthShare to provide this solution

Here are a few examples from 2018:

Example# 1

ACA Medical plan:

A healthy 50 year old couple living in Adams County, Pennsylvania earning under $16,240 or over $64,080 (MAGI, Modified Adjusted Gross Income) their lowest cost silver plan would be $1973 a month for insurance and they would still have a $9300 family deductible. It doesn’t take a genius to figure out that someone making $16k a year can’t afford premiums of $24k! It’s also doubtful a couple making $65k would consider $24,000 in health insurance premiums affordable either.

VS.

AlieraCare Premium Plan:

The same couple would have a rate of only $626 with a MSRA (Member Shared Responsibility Amount) of $10,000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

AlieraCare Silver Plan:

The same couple would have a rate of of $1246 with a MSRA of only $2000. In addition many services are paid prior to meeting the MSRA amount, see brochure for full details.

Example# 2

ACA Medical plan:

A 55 year old couple living in Wood County, Texas doesn’t qualify for credit from the Federal Exchange. They would be looking at $1599 per month for the lowest cost silver plan with a $10,000 family deductible.

VS.

AlieraCare Premium Plan:

The same couple would have a rate of $626 with a MSRA (Member Shared Responsibility Amount) of $10,000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

AlieraCare Silver Plan:

Their rate is just $1246 with a MSRA of only $2000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

Example# 3

ACA Medical plan:

A 45 year old couple living in Duval County, Florida not eligible for subsidy would have a lowest silver plan premium of $1011 a month with a deductible of $14,000.

VS.

AlieraCare Premium Plan:

The same couple would have a rate of $563 with a MSRA (Member Shared Responsibility Amount) of $10,000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

AlieraCare Silver Plan:

Their rate is just $884 with a MSRA of only $2000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

Example# 4

A young family living in Carroll County, Maryland both parents 35 with two children would be facing monthly insurance premiums of $1357 with a deductible of $12,000 for the lowest cost silver plan. Since they earn $108,000 a year they don’t qualify for APTC.

Unfortunately Aliera is not yet approved in Maryland – Call for possible options to save on your health care.

Example# 5

ACA Medical plan:

Large Catholic family in Smith County, Texas Both parents are 48 years old and there are 7 children under the age of 18. Their income of $100,000 qualifies them for $1842 a month in APTC their lowest cost Silver plan would cost them $440 a month. However, they are morally opposed to health care that provides birth control, abortions, and in vitro fertilization. Under Obamacare they have no options that are morally agreeable.

VS.

The medical sharing plan does NOT provide coverage for abortion, in vitro ferilization, or birth control; However, Aliera is not geared toward any specific religious organization they do provide contraceptive counseling, and the prescription discount plan may provide a discount on birth control, but the plan itself doesn’t pay for the medication.

When comparing plans they found that some Christian MediShare plans would not cover injuries, illness, or diagnosis that were a result of non-christian actions, including paying for an unwed mother’s pregnancy. Since their beliefs follow Christ’s teachings of mercy and forgiveness and we are all sinners they decided it would be better to support the pregnancy.

AlieraCare Value Plan:

The same large family would have a rate of $822 with a MSRA (Member Shared Responsibility Amount) of $10,000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

AlieraCare Silver Plan:

Their rate is just $1405 with a Family MSRA of only $3000 with many services paid prior to meeting the MSRA amount, see brochure for full details.

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Legal Disclosure

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax adviser, or accountant.

Location Information

We have a small network of agents in different states but most quotes, information, and consultations come from Thomas M. Cunningham.

A majority of our transactions are completed via Phone, Internet, or email, we still meet clients in person when required or requested. While most face to face meetings are conducted in the comfort of your home or office Thomas has a home office at: